Texas Hurricane Damage Claims Lawyer

Hurricane damage poses significant risks in Texas, particularly along its extensive Gulf Coast. Cities like Houston, Galveston, Corpus Christi, San Antonio, and Bay City are highly vulnerable due to their proximity to the Gulf of Mexico. These powerful storms bring severe winds, torrential rains, and storm surges, leading to widespread destruction. Residential and commercial properties in these areas are at risk of roof and structural damage, flooding, and power outages.

The unpredictability of hurricane paths and intensities further complicates preparation and response, making it vital for Texas residents and businesses in these risk-prone locations to have robust disaster plans and adequate insurance coverage to mitigate these risks. Be prepared to seek legal support from our battle-tested attorneys at Larry Moskowitz, PA to recover the highest possible compensation from the insurance company for your losses.

Types of Claims Our Hurricane Damage Lawyers Handle

At Larry Moskowitz, PA, our legal services extend to the following types of hurricane damage claims.

Residential Property Damage Claims

Hurricanes can cause catastrophic damage to residential properties. Roofs may be blown off, windows shattered, and structural integrity compromised. Flooding from storm surges and heavy rains can lead to water damage and mold growth. Our Texas hurricane damage claims lawyers are skilled at handling claims for all types of residential damage, ensuring homeowners receive the full compensation they deserve.

Commercial Property Damage Claims

Businesses are not immune to the destructive power of hurricanes. Commercial properties can suffer from similar types of damage as residential ones, including structural damage, water infiltration, and loss of inventory or equipment. Our legal team understands the complexities of commercial insurance policies and will fight to recover the maximum compensation to get your business back on track.

Vehicle Damage and Personal Property Damage Claims

Vehicles can be severely damaged or destroyed by hurricanes due to flooding, falling debris, and high winds. Moreover, valuable personal belongings and contents of homes and businesses can suffer extensive damage by hurricanes. We will assist in filing claims for these damages, ensuring that you are compensated for repairs or replacement of your vehicles and personal property.

Common Types of Hurricane Damages 

Our hurricane damage attorneys in Texas can recover costs for various types of damages to property. Learn more about hurricane damage claims at our legal blog.

Structural Damage

This includes damage to the roof, walls, windows, doors, and foundation of your property. Structural damage claims are often the most significant and require detailed documentation and expert assessment to ensure all damages are accounted for.

Water Damage

Hurricanes bring heavy rains and storm surges that can lead to extensive water damage. This includes flooding, water infiltration, and subsequent mold growth. Water damage claims cover the cost of repairs, water extraction, drying, and mold remediation.

Wind Damage

High winds can cause a range of damages, from broken windows to uprooted trees falling on your property. Wind damage claims address the costs of repairing or replacing damaged structures and removing debris.

Personal Property Damage

Hurricanes can destroy or severely damage the contents of your home or business. Claims for personal property damage cover the replacement or repair of furniture, electronics, clothing, and other valuables.

Loss of Use

If your property is uninhabitable due to hurricane damage, loss of use coverage can help pay for additional living expenses or temporary relocation costs. For businesses, this can include the cost of renting a temporary workspace.

Business Interruption

For commercial properties, hurricanes can lead to significant business interruptions. Business interruption claims cover lost income, operating expenses, and other financial losses incurred while your business is being repaired.

Common Insurance Pitfalls for Texas Hurricane Damage Claims

By avoiding common insurance pitfalls with the guidance of our experienced hurricane damage claims lawyers in Texas, you can protect your right to fair compensation and ensure a smoother recovery process after a hurricane. Our commitment to our clients and our expertise in property damage claims make us a strategic legal ally in the aftermath of a disaster.

Underestimating the Damage

One of the most common pitfalls homeowners and business owners face after a hurricane is the underestimation of the extent of the damage. Insurance adjusters may provide lowball estimates that do not fully account for all necessary repairs and replacements. 

Our team will conduct a thorough assessment of your property using expert contractors, engineers, and appraisers to ensure that all damages are properly documented and valued. This comprehensive approach helps to secure the full amount of compensation you are entitled to.

Delays in Filing Claims

Insurance companies often impose strict deadlines for filing claims after a hurricane. Missing these deadlines can result in a denial of your claim. Our Texas hurricane damage claims lawyers understand the urgency of these matters and will act swiftly to file all necessary paperwork and documentation on time. By handling these administrative tasks promptly and efficiently, our team helps to avoid any potential delays that could jeopardize your claim.

Incomplete Documentation

Accurate and complete documentation is crucial for a successful insurance claim. Many policyholders make the mistake of providing insufficient evidence of their losses, which can lead to claim denials or reduced payouts. Our team will assist in documenting all damages, including photographs, repair estimates, and detailed inventories of lost or damaged items. This ensures that your claim is supported by solid evidence, making it more difficult for the insurance company to dispute.

Misinterpretation of Policy Terms

Insurance policies are often complex and filled with legal jargon that can be difficult to understand. Policyholders may misinterpret their coverage, leading to under-valued claims or missed opportunities for compensation. We have extensive experience interpreting insurance policies and will review your policy in detail to identify all potential areas of coverage and maximize your claim.

Denial of Legitimate Claims

Insurance companies sometimes deny legitimate claims on various grounds, such as alleging that the damage was pre-existing or not covered under the policy. We are skilled in challenging these denials. We will gather additional evidence, provide expert testimony, and present a compelling case to demonstrate that your claim is valid and should be honored.

Low Settlement Offers

Even when claims are approved, insurance companies may offer settlements that are significantly lower than the actual cost of repairs and replacements. Our Texas hurricane damage claims attorneys will negotiate aggressively on your behalf, leveraging our knowledge of insurance law and our experience in handling similar cases to push for a fair and adequate settlement. If necessary, we are prepared to take the matter to court to ensure you receive the compensation you deserve.

Overlooked Secondary Damage

After a hurricane, primary damage such as broken roofs and flooded interiors is often obvious. However, secondary damages, like mold growth, structural weakening, and long-term water damage, can be overlooked. Larry Moskowitz’s team will conduct a thorough investigation to identify all potential areas of damage, ensuring that your claim covers both immediate and future repair needs.

Pressure to Settle Quickly

Insurance companies may pressure policyholders to settle quickly for a lower amount. This is especially common when policyholders are in desperate need of funds for immediate repairs. We will advise you on the best course of action, ensuring that you do not settle for less than you deserve. We will handle all negotiations, allowing you to focus on recovery while he fights for your rights.

How We Can Help WithTexas Hurricane Damage Claims

When it comes to hurricane damage claims, having an attorney with both aggressive negotiation skills and robust trial readiness can make all the difference in recovering maximum compensation. Our battle-hardened hurricane damage lawyers in Texas embody these qualities, offering a formidable combination that ensures your claim is handled with the utmost skill and determination.

Aggressive Negotiation Skills

Our Texas hurricane damage claims lawyers are renowned for their tenacious approach to negotiating with insurance companies. Our deep understanding of insurance law and extensive experience in handling hurricane damage claims enable us to effectively counter lowball offers and other tactics used by insurers to minimize payouts. 

We fight relentlessly to ensure that every aspect of your losses is recognized and adequately compensated. Our ability to present a compelling case, backed by solid evidence and expert testimonies, often leads to favorable settlements without the need for prolonged litigation. However, we remain prepared to escalate matters if negotiations do not result in fair compensation.

Thorough Trial Readiness and Capabilities

Despite the aim to settle claims through negotiation, some cases inevitably require litigation. Texas hurricane damage claims attorney Larry Moskowitz’s extensive trial experience, including taking over 150 cases to verdict, equips him with the skills needed to succeed in court. 

Beginning his career as an Assistant State Attorney/Prosecutor in Broward County, FL, Larry developed a fierce, uncompromising approach to justice, never accepting a “Not Guilty” declaration. This same relentless attitude applies to his current practice—he will not accept a “claim denied” without a fight.

Larry Moskowitz’s thorough preparation for trial includes careful documentation of damages, comprehensive understanding of insurance policies, and strategic use of expert witnesses to build an irrefutable case. 

His reputation as an aggressive litigator ensures that insurance companies take him seriously, often leading to more favorable pre-trial settlements. However, if a fair settlement cannot be reached, he is fully equipped and ready to take your case to court to fight for the compensation you are entitled to.

A Winning Combination

This powerful blend of aggressive settlement negotiations and trial preparedness makes Larry Moskowitz, PA an invaluable legal ally in your fight for justice. Our battle-tested approach ensures that you are not bullied or shortchanged by insurance companies. Instead, you receive the full compensation needed to repair and restore your property, enabling you to move forward with confidence.

Our Texas hurricane damage claims lawyers’ commitment to our clients, combined with our deep legal acumen and proven track record, assures that your hurricane damage claim is in the best possible hands. Choose us to stand by your side and leverage our exceptional legal skills to achieve the compensation you are rightfully owed.

FAQs on Hurricane Damage Claims in Texas

What is the statute of limitations for filing a hurricane damage claim in Texas?

In Texas, the statute of limitations for filing a property damage claim due to a hurricane is generally two years from the date the damage occurred.

Are there specific laws in Texas that protect policyholders in hurricane damage claims?

Yes, Texas has laws such as the Texas Prompt Payment of Claims Act and the Texas Insurance Code, which protect policyholders by requiring timely payment of claims and prohibiting unfair settlement practices.

What should I do if my insurance company offers a low settlement for my hurricane damage claim?

If you receive a low settlement offer, get legal help from hurricane damage Texas from our lawyers at Larry Moskowitz, PA. Our attorneys can review the offer, negotiate for a higher amount, and advise you on the best course of action.

What constitutes a breach of contract in hurricane damage claims?

A breach of contract occurs when the insurance company fails to fulfill its obligations under the policy, such as refusing to pay a valid claim, not paying the full amount owed, or delaying payment without justification.

Can I recover attorney’s fees if I win a lawsuit against my insurance company for a hurricane damage claim?

Under Texas law, if you prevail in a lawsuit against your insurance company, you may be entitled to recover reasonable attorney’s fees and court costs.

Your Financial Recovery Begins with a Phone Call to Larry Moskowitz, PA

When hurricanes devastate Texas, Larry Moskowitz, PA stands ready to fight for your rights with passion, integrity, and skill to recover the largest possible compensation for your losses. With a proven record of recovering millions for clients hit by catastrophic storms like Wilma, Sandy, Matthew, Irma, Michael, Laura, and Eta, hurricane damage attorney Larry Moskowitz is the powerful ally you need.

Don’t let insurance companies take advantage of your situation. Reach out to us now and let our battle-tested team ensure you receive every dollar you are entitled to. To schedule your free consultation, call us at (844) 849-0760 or contact us online.